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Arlington State Bank

IDRSSD: 270353
Total Assets
—
Latest filing
Total Deposits
—
Latest filing
Net Interest Margin
—
Profitability

Vital Signs Report — 2023-Q4

Per-quarter snapshot for 2023-Q4: composite Vital Signs Score, all five pillars, and ranked Watch Items.

Synthesis

Vital Signs Score
75
/ 100
StableAs of 2023-Q4QoQ -25

Weighted composite of five pillars (Liquidity, Securities, Capitalization, Asset Quality, Reserves). Missing pillars are dropped from the denominator. See methodology footer.

Quarterly Headline

2023-Q4

Bank #270353 2023-Q4 Vital Signs Score: 75/100 — overall stable. Strongest pillar: Liquidity (strong). Weakest pillar: Reserves (risk).

Liquidity:Strong
Securities:Strong
Capitalization:Strong
Asset Quality:Risk
Reserves:Risk

Top 3 Watch Items

  1. risk
    90+ days past due elevated
    Asset Quality — 90+ PD 5.36%.
  2. risk
    Adjusted NPL above 2%
    Asset Quality — Adjusted NPL 5.36% (govt-guarantees stripped).
  3. watch
    ALLL / NPL below 50%
    Reserves — Coverage 34.6% (regulatory soft-warning level 50%).

What changed this quarter

Compared to Q3 2023:
↓ -25 ptscomposite
  • Liquidity
    — —
  • Securities
    — —
  • Capitalization
    — —
  • Asset Quality
    ↓ -61
  • Reserves
    — —

The five pillars

Liquidity

Strong
100
Sub-score

Liquidity is strong: brokered 0.0%, loans/deposits 34.3%, cash 14.4% of assets.

Cash / Assets
14.37%
Loans / Deposits
34.32%
Brokered %
0.00%
No watch items at this period.

Securities

Strong
100
Sub-score

Securities profile is strong: securities 13.8% of assets.

MtM Loss / Tier 1
—
SVB watch metric
Securities / Assets
13.75%
No watch items at this period.

Capitalization

Strong
100
Sub-score

Capital position is strong: Tier 1 RBC 22.96%, CET1 22.96%, leverage 10.08%.

Tier 1 RBC
22.96%
CET1
22.96%
Leverage
10.08%
No watch items at this period.

Asset Quality

RiskQoQ -61
39
Sub-score

Asset quality is weak: Adjusted NPL 5.36%, Texas Ratio 16.6%, NCO YTD 0.14%.

Adjusted NPL
5.36%
Govt-guarantees stripped
Texas Ratio
16.6%
NCO YTD
0.14%
30-89 PD
1.90%
Band 0.3% / 3.0%
90+ PD
5.36%
Band 0.1% / 2.0%

Watch Items

  • riskAdjusted NPL above 2% — Adjusted NPL 5.36% (govt-guarantees stripped).
  • risk90+ days past due elevated — 90+ PD 5.36%.

Reserves

Risk
36
Sub-score

Reserves are weak: ALLL 1.82% of loans, coverage 34.6%, true coverage 34.6%.

ALLL / Loans
1.82%
Coverage
34.6%
True Loss Coverage
34.6%

Watch Items

  • watchALLL / NPL below 50% — Coverage 34.6% (regulatory soft-warning level 50%).
  • watchTrue Loss Coverage Ratio below 50% — True coverage 34.6% (Adjusted NPL + Performing Mods denominator).

Methodology + sources

Vital Signs Score
Composite of five pillar sub-scores, each 0–100. Weights: Liquidity 20%, Securities 15%, Capitalization 25%, Asset Quality 25%, Reserves 15%. See functions/src/vitalSignsScore.ts for the complete formula and band anchors.
Period addressing
Per-quarter URLs accept "YYYY-Q{n}" (canonical), "YYYYqQ" (compact form), or "YYYY-MM-DD" quarter-end dates. All forms canonicalize to the same snapshot.
Source data
FFIEC Call Report Schedules RC, RC-A, RC-B, RC-E, RC-M, RC-N, RC-R, RI, and RI-B Pt I/II via CallReport_Financials + CallReport_FdicData (Visbanking nightly ingest).

Five-pillar framework follows industry-standard bank-health analytical conventions. Composite scoring is Visbanking's own.

Generated: 2026-05-14 16:40:05 UTC